First Midwest Bank of the Ozarks: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Cost of borrowings dropped 1.34 percentage points in Q2 2026, from 4.62% to 3.28%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, First Midwest Bank of the Ozarks is 53rd of 192 on net interest margin, 4.44% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Midwest Bank of the Ozarks sits 0.49 points higher, at 4.44% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.60% |
| Yield on loans | 6.98% |
| Yield on securities | 3.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.33% |
| Cost of interest-bearing deposits | 2.75% |
| Cost of interest-bearing liabilities | 2.76% |
| Cost of borrowings | 3.28% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.44% |
| Yield to cost spread | 3.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.9M |
| Total interest expense | $3.8M |
| Interest expense on deposits | $3.8M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.06% | 2.42% | 3.79% | 6.35% | 2.80% |
| Q4 2023 | 6.28% | 2.69% | 3.76% | 6.55% | 3.04% |
| Q1 2024 | 6.38% | 2.71% | 3.85% | 6.62% | 3.11% |
| Q2 2024 | 6.39% | 2.76% | 3.83% | 6.66% | 3.26% |
| Q3 2024 | 6.57% | 2.76% | 4.00% | 6.84% | 3.32% |
| Q4 2024 | 6.61% | 2.72% | 4.09% | 7.01% | 3.23% |
| Q1 2025 | 6.49% | 2.59% | 4.06% | 6.80% | 3.12% |
| Q2 2025 | 6.58% | 2.55% | 4.21% | 6.97% | 3.19% |
| Q3 2025 | 6.84% | 2.55% | 4.47% | 7.27% | 3.32% |
| Q4 2025 | 6.67% | 2.46% | 4.39% | 7.17% | 3.38% |
| Q1 2026 | 6.50% | 2.35% | 4.31% | 6.94% | 3.31% |
| Q2 2026 | 6.60% | 2.33% | 4.44% | 6.98% | 3.35% |
First Midwest Bank of the Ozarks yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Midwest Bank of the Ozarks, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Midwest Bank of the Ozarks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19212) · FFIEC NIC profile (RSSD 228158)